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How to Retire on Time

Kedrec Wealth
Retirement Planning
Tax Planning
Social Security
Retirement
Inflation
Annuities
Investment Strategies
S&P 500
Financial Planning
Real Estate
IRA
Taxes
Stock Market
Roth IRA
Medicare
Bond Funds
Life Insurance
Required Minimum Distributions
IRA To Roth Conversions
Kedrick Wealth

Welcome to How to Retire on Time, a show that answers your retirement questions. Say goodbye to the oversimplified advice you've heard hundreds of times. This show is about getting into the nitty-gritty so you can make better decisions as you prepare for retirement. Text your questions to 913-363-1234 and we'll feature them on the show. Don't forget to grab a copy of the book, How to Retire on Tim... more

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Artwork for How to Retire on Time

Latest Episodes

Most retirement plans start with picking a product. This breaks down why that's backwards, and walks through the order that's supposed to come first, illustrated with a real client's numbers.

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There's a simple test that separates a real financial planner from someone just collecting a fee to watch your portfolio. Mike lays it out, plus the one line that sums up his entire philosophy on retirement risk.

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From annuity RMDs to inherited IRA deadlines to which spouse should convert first, Mike untangles three of the most confusing tax questions retirees ask him every week.

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The economist who won a Nobel Prize for inventing the 60/40 portfolio didn't actually put his own retirement money into it — here's what he did instead.

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Ready to build a... more

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Recent Guests

Dr. Hemmer
Psychologist and author focused on retirement psychology
Episode: The 4 Things Retirement Steals From You (And How to Get Them Back)
Dr. Richard Himmer
Author of Your Encore Years; retirement psychology expert
Author, Your Encore Years
Episode: What Many People Miss When Preparing for Retirement
David Franzen
Episode: How to Big Beautiful Bill Could Affect Your Retirement
Tammy Reid
Optimistic, kind, and humble volunteer, involved in charity work helping those affected by domestic abuse.
Episode: Why Charity Matters (With Tammy Reid and Other Guests)
Amy Cox
Executive Director of Flourish Furniture Bank, which provides furniture and home essentials to families in need.
Flourish Furniture Bank
Episode: Why Charity Matters (With Tammy Reid and Other Guests)
Cindy McDavitt
Chair of the Kansas City Committee of Giving Machines, overseeing charitable vending machine initiatives.
Giving Machines
Episode: Why Charity Matters (With Tammy Reid and Other Guests)

Hosts

Michael Decker
Host of the show and Kedrick Wealth contributor; frequently introduces topics and guides Q&A sections.
David Franzen
Co-host and guest interlocutor; frequent contributor on retirement planning concepts and tax-aware strategies.

Reviews

4.4 out of 5 stars from 13 ratings
  • Stay out of politics

    Mayor Mandan is not a socialist as you have said. He is a Democratic Socialist who proposes the Nordic Model. you got a bunch of very successful. Scandinavian counties that has disproven your argument.

    Apple Podcasts
    1
    Mr Natty Boh
    United States5 months ago
  • DIY soon to be retired

    This quickly became one of my favorite podcasts. The content is so useful and explained in easy to understand manner.

    Apple Podcasts
    5
    PDC2025
    United States7 months ago

Listeners Say

Key themes from listener reviews, highlighting what works and what could be improved about the show.

Valuable for investors seeking long-term, disciplined retirement frameworks.
Practical retirement planning with actionable steps; deep dive into tax and withdrawal strategies.
Clear, accessible discussions balancing theory with real-world applications.

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Talking Points

Recent interactions between the hosts and their guests.

Every Way to Lower Your Portfolio Risk Without Buying a Single Bond Fund
Q: Does the benefactor have to wait the remaining time of the original five years before any of the growth is withdrawn without penalty being charged?
The host admits uncertainty but explains the key distinction between contributions and conversions: contributions to a Roth are subject to a five-year rule for the principal, while amounts converted from a traditional IRA into a Roth do not need to wait five years for the gains part of that conversion, though liquidity and other tax rules still apply.
The Order You Pull Money From Your Accounts Could Cost You Six Figures
Q: What are the things I need to consider when deciding which accounts to withdraw from in retirement?
The host explains a three-bucket framework (IRAs, non-qualified brokerage, and Roth/after-tax accounts) and stresses optimizing withdrawals by tax treatment and timing. He suggests prioritizing long-term capital gains in brokerage accounts at favorable tax brackets, coordinating Roth conversions and standard deductions, and considering health-care subsidies and potential RMD implications to avoid tax drag and preserve growth for legacy goals.
Ways to Protect Older Adults Financially
Q: Hey Mike, I've got older family members who are getting taken advantage of financially. How can I help stop this from happening?
The hosts outline that there are multiple layers of exploitation, emphasize setting clear boundaries, involve professionals when needed, and stress that you cannot force a relative to surrender control of their finances; the recommended approach is education, honest conversations, and seeking counseling or family therapy to navigate the dynamics.
The One Tax Number That Should Decide If You Convert to a Roth
Q: How should a couple approaching retirement think about investments outside the traditional stock market and tax-advantaged accounts to reduce risk and improve tax efficiency?
Consider real estate-related investments like REITs (especially illiquid vs liquid distinctions) and buffered ETFs or self-managed accounts, and weigh their tax implications, liquidity, and potential yields against the goal of stabilizing the portfolio while maintaining tax efficiency.
The One Tax Number That Should Decide If You Convert to a Roth
Q: What is the practical framework for deciding when to convert to a Roth, especially in relation to current income versus retirement income goals?
Use the concept of an effective tax rate as a unifying standard; compare current tax exposure with the tax impact of withdrawals in retirement, and run scenarios to see how much to convert each year so that your overall tax burden stays aligned with a target rate.

Audience Metrics

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Frequently Asked Questions About How to Retire on Time

What is How to Retire on Time about and what kind of topics does it cover?

A retirement-focused show that prioritizes practical, nuanced planning over slick, one-size-fits-all advice. Episodes consistently tackle tax planning, Social Security timing, withdrawal strategies, and long-term care, often using real-life scenarios to illustrate disciplined approaches to building reserves, sequencing withdrawals, and balancing growth with protection. Noteworthy is the frequent use of frameworks (e.g., BUILD, reserves strategy) and a candid stance on industry marketing tactics, with guests and hosts from Kedrick Wealth and related affiliations reinforcing a disciplined, question-driven approach. The show often blends traditional financial planning concepts with current policy discussions and occasionally tech-assisted plan... more

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Which podcasts are similar to How to Retire on Time?

These podcasts share a similar audience with How to Retire on Time:

1. Retirement Answers
2. Retire With Purpose - The Retirement Podcast
3. Stay Wealthy Retirement Podcast
4. Retirement Planning Education, with Andy Panko
5. Life Starts at Retirement

How many episodes of How to Retire on Time are there?

How to Retire on Time launched 2 years ago and published 457 episodes to date. You can find more information about this podcast including rankings, audience demographics and engagement in our podcast database.

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What guests have appeared on How to Retire on Time?

Recent guests on How to Retire on Time include:

1. Dr. Hemmer
2. Dr. Richard Himmer
3. David Franzen
4. Tammy Reid
5. Amy Cox
6. Cindy McDavitt

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